U.S. patent application number 17/281434 was filed with the patent office on 2021-12-23 for payment information processing method, apparatus, device and computer readable storage medium.
This patent application is currently assigned to CHINA UNIONPAY CO., LTD.. The applicant listed for this patent is CHINA UNIONPAY CO., LTD.. Invention is credited to Wei GUO, Shuo HE, Cheng PENG, Jin QIAN, Wenhai YU, Limin ZHANG.
Application Number | 20210398125 17/281434 |
Document ID | / |
Family ID | 1000005878793 |
Filed Date | 2021-12-23 |
United States Patent
Application |
20210398125 |
Kind Code |
A1 |
HE; Shuo ; et al. |
December 23, 2021 |
PAYMENT INFORMATION PROCESSING METHOD, APPARATUS, DEVICE AND
COMPUTER READABLE STORAGE MEDIUM
Abstract
The present application discloses a payment information
processing method, apparatus, device, and computer readable storage
medium. The payment information processing method includes:
obtaining motion data of a mobile acquiring device, in response to
an acquiring request sent by the mobile acquiring device;
determining a motion feature of the mobile acquiring device
according to the motion data, under a condition that the mobile
acquiring device obtains payment card information; determining a
payment information processing result according to the motion
feature.
Inventors: |
HE; Shuo; (Shanghai, CN)
; PENG; Cheng; (Shanghai, CN) ; GUO; Wei;
(Shanghai, CN) ; YU; Wenhai; (Shanghai, CN)
; ZHANG; Limin; (Shanghai, CN) ; QIAN; Jin;
(Shanghai, CN) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
CHINA UNIONPAY CO., LTD. |
Shanghai |
|
CN |
|
|
Assignee: |
CHINA UNIONPAY CO., LTD.
Shanghai
CN
|
Family ID: |
1000005878793 |
Appl. No.: |
17/281434 |
Filed: |
February 18, 2020 |
PCT Filed: |
February 18, 2020 |
PCT NO: |
PCT/CN2020/075714 |
371 Date: |
March 30, 2021 |
Current U.S.
Class: |
1/1 |
Current CPC
Class: |
G06Q 20/352 20130101;
G06Q 20/3567 20130101; G06Q 20/204 20130101; G06Q 20/4014 20130101;
G06Q 20/42 20130101; G06Q 20/4016 20130101 |
International
Class: |
G06Q 20/40 20060101
G06Q020/40; G06Q 20/42 20060101 G06Q020/42; G06Q 20/20 20060101
G06Q020/20; G06Q 20/34 20060101 G06Q020/34 |
Foreign Application Data
Date |
Code |
Application Number |
May 31, 2019 |
CN |
201910468750.4 |
Claims
1. A payment information processing method, comprising: obtaining
motion data of a mobile acquiring device, in response to an
acquiring request sent by the mobile acquiring device; determining
a motion feature of the mobile acquiring device according to the
motion data, under a condition that the mobile acquiring device
obtains payment card information; determining a payment information
processing result according to the motion feature.
2. The method of claim 1, wherein the payment card information is
information stored in a chip of a payment card or in a mobile
terminal.
3. The method of claim 1, wherein the determining a payment
information processing result according to the motion feature
comprises: calculating a similarity between the motion feature and
at least one preset motion feature; determining the payment
information processing result according to the similarity.
4. The method of claim 3, further comprising: performing a feature
analysis based on historical motion data of at least one mobile
acquiring device to obtain the at least one preset motion
feature.
5. The method of claim 3, wherein the at least one preset motion
feature comprises a preset motion feature corresponding to at least
one normal acquiring action and/or a preset motion feature
corresponding to at least one abnormal acquiring action.
6. The method of claim 3, wherein the determining the payment
information processing result according to the similarity
comprises: obtaining transaction-related information and
determining a transaction detection result corresponding to the
transaction-related information; analyzing the similarity and the
transaction detection result, and determining a transaction risk
level according to a corresponding relationship between an analysis
result and the transaction risk level, as the payment information
processing result.
7. The method of claim 6, wherein the corresponding relationship
between the analysis result and the transaction risk level is
determined depending on a merchant type corresponding to the mobile
acquiring device and/or a business scenario corresponding to the
acquiring request.
8. The method of claim 1, wherein the motion data is data collected
by the mobile acquiring device between a first moment and a second
moment, the first moment is a moment when the mobile acquiring
device sends the acquiring request, and the second moment is a
moment when the mobile acquiring device obtains the payment card
information.
9. The method of claim 1, further comprising: reobtaining, under a
condition that a response to the acquiring request reaches a
predetermined time period and the mobile acquiring device has not
obtained the payment card information, the motion data of the
mobile acquiring device in response to an acquiring request resent
by the mobile acquiring device.
10. The method of claim 1, wherein the motion data comprises action
sensor signals at multiple moments, and the determining a motion
feature of the mobile acquiring device according to the motion data
comprises: performing Kalman filtering on the action sensor signals
at the multiple moments to obtain Kalman filtered data at the
multiple moments; determining the motion feature of the mobile
acquiring device according to the Kalman filtered data at the
multiple moments.
11. The method of claim 10, wherein the determining the motion
feature of the mobile acquiring device according to the Kalman
filtered data at the multiple moments comprises: calculating motion
feature vectors at the multiple moments according to the Kalman
filtered data at the multiple moments; arranging the motion feature
vectors at the multiple moments in chronological order to form the
motion feature of the mobile acquiring device.
12. The method of claim 11, wherein the action sensor signals
comprise at least one of an accelerometer signal, a gyroscope
signal, and a magnetometer signal.
13. The method of claim 11, wherein the Kalman filtered data
comprises at least one of a motion angular velocity coordinate, a
motion acceleration coordinate, a motion position coordinate, and a
motion attitude angle coordinate; the motion feature vectors
comprise at least one of a motion angular velocity component, a
motion acceleration component, a motion position component, and a
motion attitude angle component.
14. The method of claim 1, further comprising: determining whether
to continue a transaction according to the payment information
processing result.
15. A payment information processing method, comprising: collecting
motion data of a mobile acquiring device in response to sending an
acquiring request; sending the motion data to a target device, so
that under a condition that the mobile acquiring device obtains
payment card information, the target device determines a motion
feature of the mobile acquiring device according to the motion data
and determines a payment information processing result according to
the motion feature.
16. (canceled)
17. The method of claim 15, further comprising: sending the payment
card information and/or a payment card reading signal to the target
device in response to obtaining the payment card information.
18. The method of claim 15, further comprising: stopping collecting
the motion data in response to obtaining the payment card
information.
19. The method of claim 15, further comprising: resending, under a
condition that a predetermined time period is reached after sending
of the acquiring request and the payment card information has not
been obtained, an acquiring request.
20-21. (canceled)
22. A payment information processing device, comprising a processor
and a memory having computer program instructions stored thereon,
wherein the processor, when executing the computer program
instructions, implements the payment information processing method
according to claim 1.
23. (canceled)
24. A payment information processing device, comprising a processor
and a memory having computer program instructions stored thereon,
wherein the processor, when executing the computer program
instructions, implements the payment information processing method
according to claim 15.
Description
CROSS REFERENCE TO RELATED APPLICATION
[0001] The present application is a National Stage of International
Application No. PCT/CN2020/075714, filed on Feb. 18, 2020, which
claims the priority of Chinese Patent Application No.
201910468750.4 filed on May 31, 2019, entitled "PAYMENT INFORMATION
PROCESSING METHOD, APPARATUS, DEVICE AND COMPUTER READABLE STORAGE
MEDIUM". Both of the applications are incorporated herein by
reference in their entireties.
TECHNICAL FIELD
[0002] The present application relates to the technical field of
information processing, in particular to a payment information
processing method, apparatus, device and computer readable storage
medium.
BACKGROUND
[0003] When a merchant uses a mobile acquiring device to acquire
payment from a payment card with a contactless chip held by a
cardholder to complete a small payment transaction, the mobile
acquiring device usually obtains payment card information stored in
the contactless ship based on an acquiring request, then directly
sends the payment card information to an acquirer and performs the
subsequent transaction process.
[0004] When the payment card with the contactless chip is used for
the small payment transaction, there is generally no need for the
cardholder to enter identity authentication information or perform
transaction confirmation. Therefore, the payment card may be
fraudulently or falsely used, affecting account security of the
payment card of the cardholder.
SUMMARY
[0005] Embodiments of the present application provide a payment
information processing method, apparatus, device, and computer
readable storage medium.
[0006] In a first aspect, an embodiment of the present application
provides a payment information processing method including:
obtaining motion data of a mobile acquiring device, in response to
an acquiring request sent by the mobile acquiring device;
determining a motion feature of the mobile acquiring device
according to the motion data, under a condition that the mobile
acquiring device obtains payment card information; determining a
payment information processing result according to the motion
feature.
[0007] In a second aspect, an embodiment of the present application
provides a payment information processing method including:
collecting motion data of a mobile acquiring device in response to
sending an acquiring request; sending the motion data to a target
device, so that under a condition that the mobile acquiring device
obtains payment card information, the target device determines a
motion feature of the mobile acquiring device according to the
motion data and determines a payment information processing result
according to the motion feature.
[0008] In a third aspect, an embodiment of the present application
provides a payment information processing apparatus including: a
data obtaining unit configured to obtain motion data of a mobile
acquiring device, in response to an acquiring request sent by the
mobile acquiring device; a motion detection unit configured to
determine a motion feature of the mobile acquiring device according
to the motion data, under a condition that the mobile acquiring
device obtains payment card information; a detection processing
unit configured to determine a payment information processing
result according to the motion feature.
[0009] In a fourth aspect, an embodiment of the present application
provides a payment information processing apparatus including: a
data collection unit configured to collect motion data of a mobile
acquiring device in response to sending an acquiring request; a
data sending unit configured to send the motion data to a target
device, so that under a condition that a mobile acquiring device
obtains payment card information, the target device determines a
motion feature of the mobile acquiring device according to the
motion data and determines a payment information processing result
according to the motion feature.
[0010] In a fifth aspect, an embodiment of the present application
provides a payment information processing device including a
processor and a memory having computer program instructions stored
thereon. The processor, when executing the computer program
instructions, implements the payment information processing method
according to the first aspect or the second aspect.
[0011] In a sixth aspect, an embodiment of the present application
provides a computer-readable storage medium having computer program
instructions stored thereon. The computer program instructions,
when executed by a processor, implement the payment information
processing method according to the first aspect or the second
aspect.
BRIEF DESCRIPTION OF THE DRAWINGS
[0012] The features, advantages, and technical effects of exemplary
embodiments of the present application will be described below with
reference to the accompanying drawings.
[0013] FIG. 1 is a system architecture diagram of a contactless
payment system according to an example of the present
application;
[0014] FIG. 2 is a schematic flowchart of a payment information
processing method provided by an embodiment of the present
application;
[0015] FIG. 3 is a schematic flowchart of a Kalman filter process
provided by an embodiment of the present application;
[0016] FIG. 4 is a schematic flowchart of a payment information
processing method provided by another embodiment of the present
application;
[0017] FIG. 5 is a schematic flowchart of a payment information
processing method provided by a further embodiment of the present
application;
[0018] FIG. 6 is a schematic diagram of a transaction process
provided by an embodiment of the present application;
[0019] FIG. 7 is a schematic structural diagram of a payment
information processing apparatus provided by an embodiment of the
present application;
[0020] FIG. 8 is a schematic structural diagram of a payment
information processing apparatus provided by another embodiment of
the present application;
[0021] FIG. 9 is a schematic diagram of a hardware structure of a
payment information processing device according to an embodiment of
the present application.
DETAILED DESCRIPTION
[0022] Implementations of the present application will be described
in further detail below in conjunction with the accompanying
drawings and embodiments. The detailed description and drawings of
the following embodiments are used to exemplarily illustrate the
principle of the application, but cannot be used to limit the scope
of the application, that is, the application is not limited to the
described embodiments.
[0023] FIG. 1 shows a system architecture diagram of a contactless
payment system according to an example of the present application.
The contactless payment system 100 includes a mobile acquiring
device 101, a device server 102, a transfer server 103, a card
issuing bank server 104, and an acquirer server 105.
[0024] The mobile acquiring device 101 may be a Point of sales
(POS) device or a mobile terminal with a POS function.
[0025] The mobile acquiring device 101 includes a POS function
module and an identity verification module. The POS function module
supports at least a flash payment function via a payment card and a
flash payment function via a third-party payment software. The POS
function module is used by a merchant to send an acquiring request,
and in response to the acquiring request being sent, obtains
information about the payment card with a contactless chip held by
a cardholder or payment information of the third-party payment
software in the mobile terminal used by a payer. The identity
verification module supports at least one of password verification,
face verification, and fingerprint verification, and is used to
obtain verification information entered by the merchant. The device
server 102 includes a business function server and an identity
verification server. The business function server is used for
processing of a payment card transaction or a third-party payment
software transaction. The identity verification server is used for
processing of the identity verification of the merchant. The device
server 102 communicates with the card issuing bank server 104 and
the acquirer server 105 through the transfer server 103 to transmit
transaction information. After completion of the transaction, the
card issuing bank server 104 may send payment related information
to the cardholder's mobile terminal, and the acquirer server 105
may send payment collection related information to the mobile
acquiring device 101.
[0026] In order to solve the problem in the prior art that the
payment card with the contactless chip or the third-party payment
software in the mobile terminal may be fraudulently or falsely used
on the mobile acquiring device 101, the mobile acquiring device 101
in the embodiment of the present application may be additionally
provided with a risk assessment module for collecting relevant data
used to assess transaction risk, and the device server 102 may be
additionally provided with a risk prevention and control server for
determining a payment information processing result related to the
transaction risk based on the relevant data.
[0027] A payment information processing method provided by the
embodiment of the present application will be firstly introduced
below. The payment information processing method may be applied to
the device server 102 shown in FIG. 1.
[0028] FIG. 2 shows a schematic flowchart of a payment information
processing method provided by an embodiment of the present
application. As shown in FIG. 2, the payment information processing
method includes:
[0029] S210: obtaining motion data of the mobile acquiring device,
in response to an acquiring request sent by the mobile acquiring
device;
[0030] S220: determining a motion feature of the mobile acquiring
device according to the motion data, under a condition that the
mobile acquiring device obtains payment card information;
[0031] S230: determining a payment information processing result
according to the motion feature.
[0032] In the embodiment of the present application, after the
mobile acquiring device sends the acquiring request, the motion
data of the mobile acquiring device can be obtained, and under a
condition that the mobile acquiring device obtains the payment card
information of the payment card, the motion feature of the mobile
acquiring device may be determined by use of the motion data, so
that the payment information processing result related to the
transaction risk can be determined based on the motion feature so
as to provide a risk judgment basis for the transaction. Thus when
the merchant uses the mobile acquiring device to initiate a
transaction and obtain a transaction object, security of a payment
card account of a cardholder corresponding to the transaction
object can be improved, and a probability of false or fraudulent
use of the payment card can be reduced.
[0033] The payment information processing method of the embodiment
of the present application may be applied to various transaction
cards with a contactless chip or a contact chip, such as a bank
card, a bus card or a shopping card, etc.; and may also be applied
to a third party payment software in a mobile terminal.
[0034] In step S210 of the embodiment of the present application,
when the merchant uses the mobile acquiring device to have a
transaction with the cardholder, the merchant may firstly need to
use the mobile acquiring device to send the acquiring request;
after sending the acquiring request, the mobile acquiring device
may send the acquiring request and/or an acquiring request signal
to the device server; and the device server may respond to the
acquiring request sent by the mobile acquiring device by responding
to the acquiring request and/or the acquiring request signal, and
obtain the motion data of the mobile acquiring device.
[0035] In some embodiments of the present application, the obtained
motion data of the mobile acquiring device may be all the motion
data obtained by the mobile acquiring device before a moment when
the payment card information is obtained. In this way, the payment
card information being actually obtained (i.e. the payment card
being actually swiped) can be taken as an ending sign, so as to
prevent the merchant who fraudulently uses the payment card from
performing an "action demonstration" before the payment card is
actually swiped to circumvent transaction detection based on motion
data detection.
[0036] In some other embodiments of the present application, the
obtained motion data of the mobile acquiring device may be data
collected by the mobile acquiring device between a first moment and
a second moment, where the first moment is a moment when the mobile
acquiring device sends the acquiring request and the second moment
is a moment when the mobile acquiring device obtains the payment
card information. In these embodiments, it is not only possible to
prevent circumvention of the transaction detection based on the
motion data detection, but also possible to reduce an amount of
data processing, improve efficiency of the data processing and
reduce resource occupation of the device server since the data is
collected only from the moment when the acquiring request is sent
to the moment when the payment card information is obtained, i.e.
during a period when the payment card is actually swiped.
[0037] In other embodiments of the present application, the
obtained motion data of the mobile acquiring device may also be
data collected by the mobile acquiring device between the first
moment and a third moment, where the third moment is a moment when
the second moment is delayed to reach a delay period.
[0038] In step S210 of the embodiment of the present application, a
specific moment of obtaining the motion data of the mobile
acquiring device in response to the acquiring request sent by the
mobile acquiring device may be a moment of receiving the acquiring
request sent by the mobile acquiring device, that is, after
receiving the acquiring request sent by the mobile acquiring
device, the motion data of the mobile acquiring device may be
continuously obtained; the specific moment of obtaining the motion
data of the mobile acquiring device may also be a moment when the
mobile acquiring device obtains the payment card information, that
is, after the mobile acquiring device obtains the payment card
information, all the motion data of the mobile acquiring device
before obtaining the payment card information may be received.
[0039] In step S220 of some embodiments of the present application,
the payment card information may be information stored in the
contact chip or the contactless chip of the payment card. In step
S220 in some other embodiments of the present application, the
payment card information may also be information stored in the
mobile terminal.
[0040] The payment card information may include at least identity
information of the cardholder of the payment card and account
information of the payment card. The payment card information may
be used by a card issuing bank to verify the identity of the
cardholder and the transaction account for the transaction.
[0041] After the mobile acquiring device initiates the acquiring
request, the information in the chip of the payment card may be
distinguished from the information in the mobile terminal based on
data fields of the information read by the mobile acquiring device
using Near Field Communication (NFC) technology.
[0042] In the embodiment of the present application, the waiting
time for the mobile acquiring device to obtain the payment card
information in response to sending the acquiring request may also
be limited, so that under a condition that the response to the
acquiring request reaches a predetermined time period and the
mobile acquiring device has not obtained the payment card
information, the device server can reobtain the motion data of the
mobile acquiring device in response to an acquiring request resent
by the mobile acquiring device. That is, under a condition that the
waiting time for the mobile acquiring device to obtain the payment
card information reaches the predetermined time period and the
mobile acquiring device has not yet obtained the payment card
information, the transaction may be terminated, and thus the mobile
acquiring device may need to resend the acquiring request. In this
case, the device server may reobtain the motion data of the mobile
acquiring device in response to the acquiring request resent by the
mobile acquiring device.
[0043] In the embodiment of the present application, the
predetermined time period may be set to be any time period in a
range of 5 s to 8 s, such as 5 s, 6 s, or 8 s, and may also be set
to be other time periods as required.
[0044] Since the predetermined time period corresponding to the
waiting time for the mobile acquiring device to obtain the payment
card information is set in the embodiment of the present
application, a possibility that a merchant fraudulently using the
payment card continuously uses the mobile acquiring device to
fraudulently use the payment card can be reduced in the embodiment
of the present application.
[0045] In some embodiments of the present application, the motion
data may include action sensor signals at multiple moments, so that
the action sensor signals at the multiple moments may be used to
determine the motion feature of the mobile acquiring device. In
some other embodiments of the present application, the motion data
may also include a distance sensor signal, so that distance sensor
signals at multiple moments can be used to determine distance and
position changes of the mobile acquiring device relative to at
least one reference object and determine the motion feature of the
mobile acquiring device.
[0046] When the motion data may include action sensor signals at
multiple moments, in step S220 of the embodiment of the present
application, the specific method for determining the motion feature
of the mobile acquiring device according to the motion data may
include:
[0047] S221: performing Kalman filtering on the action sensor
signals at the multiple moments to obtain Kalman filtered data at
the multiple moments;
[0048] S222: determining the motion feature of the mobile acquiring
device according to the Kalman filtered data at the multiple
moments.
[0049] When the motion data may include action sensor signals at
multiple moments, the action sensor signals may include at least
one of an accelerometer signal, a gyroscope signal, and a
magnetometer signal. For example, when the action sensor signal
includes an accelerometer signal, the accelerometer signal may be
used to determine a motion velocity changing feature of the mobile
acquiring device as the motion feature of the mobile acquiring
device. For another example, when the action sensor signal includes
a gyroscope signal, the gyroscope signal can be used to determine a
motion attitude feature of the mobile acquiring device as the
motion feature of the mobile acquiring device. For another example,
when the action sensor signals include an accelerometer signal and
a gyroscope signal, the accelerometer signal and the gyroscope
signal can be used to determine a motion velocity feature, a motion
position feature, and a motion attitude feature of the mobile
acquiring device as the motion feature of the mobile acquiring
device.
[0050] In the embodiment of the present application, the Kalman
filtered data may include at least one of a motion angular velocity
coordinate, a motion acceleration coordinate, a motion position
coordinate, and a motion attitude angle coordinate.
[0051] Hereinafter, taking the case where the motion data may
include action sensor signals at multiple moments and the action
sensor signals include the accelerometer signal and the gyroscope
signal as an example, step S221 of the embodiment of the present
application will be described in detail.
[0052] In some embodiments of the present application, before step
S221, after the accelerometer signal and the gyroscope signal are
obtained, the accelerometer signal and the gyroscope signal can be
formatted and unit converted, so that the accelerometer signal and
the gyroscope signal obtained from different mobile acquiring
devices can be converted into a unified data format to facilitate
subsequent data processing.
[0053] In some embodiments of the present application, before step
S221, the converted accelerometer signal and gyroscope signal may
also be preprocessed to remove signal noise. Specifically,
complementary filtering can be performed on the converted
accelerometer signal and gyroscope signal. Because the
accelerometer signal is unavailable at high frequencies, and the
gyroscope signal is not good at low frequencies, it is necessary to
filter out high-frequency components of the accelerometer signal
(i.e., to perform low-pass filtering on the accelerometer signal)
and filter out low-frequency components of the gyroscope signal
(i.e., to perform high-pass filtering on the gyroscope signal).
[0054] In step S221 of the embodiment of the present application,
the action sensor signals at the multiple moments may be separately
input into the Kalman filter for filtering, to obtain Kalman
filtered data at the multiple moments. The Kalman filter may
include a filter calculation loop and a gain calculation loop.
[0055] FIG. 3 shows a schematic flowchart of a Kalman filter
process provided by an embodiment of the present application. As
shown in FIG. 3, the gyroscope signal (Gx_b, Gy_b, Gz_b) and the
accelerometer signal (fx_b, fy_b, fz_b) at a moment can be combined
into a data signal (Gx_b, Gy_b, Gz_b, fx_b, fy_b, fz_b), and the
data signal (Gx_b, Gy_b, Gz_b, fx_b, fy_b, fz_b) can be input into
the Kalman filter for the Kalman filtering processing, so that the
accelerometer signal and the gyroscope signal can be deeply
integrated based on the Kalman filtering to obtain the Kalman
filtered data (Wx, Wy, Wz, Ax, Ay, Az, Px, Py, Pz, .theta.,
.gamma., .psi.) at the moment.
[0056] In the embodiment of the present application, the
accelerometer signal and the gyroscope signal can be complemented
by the Kalman filtering, which can avoid a problem of having a
large motion noise and error when only the accelerometer is used
for measurement or having an error drifting with time when only the
gyroscope is used for measurement. Therefore, according to the
embodiment of the present application, the accelerometer signal and
the gyroscope signal can be effectively combined, thereby improving
accuracy of motion monitoring of the mobile acquiring device.
[0057] The above-mentioned Kalman filtered data includes motion
angular velocity coordinates (Wx, Wy, Wz), motion acceleration
coordinates (Ax, Ay, Az), motion position coordinates (Px, Py, Pz)
and motion attitude angle coordinates (.theta., .gamma., .psi.),
and may be used to recognize normal and abnormal acquiring actions
so as to evaluate the risk of fraudulent or false use.
[0058] In step S222 of the embodiment of the present application,
the specific method for determining the motion feature of the
mobile acquiring device according to the Kalman filtered data at
the multiple moments may include:
[0059] calculating motion feature vectors at the multiple moments
according to the Kalman filtered data at the multiple moments;
[0060] arranging the motion feature vectors at the multiple moments
in chronological order to form the motion feature of the mobile
acquiring device.
[0061] The motion feature vector may include at least one of a
motion angular velocity component, a motion acceleration component,
a motion position component, and a motion attitude angle
component.
[0062] Continue to take the aforementioned case where the motion
data may include action sensor signals at multiple moments and the
action sensor signals include the accelerometer signals and the
gyroscope signal as an example.
[0063] The Kalman filtered data at a moment obtained by the Kalman
filter includes motion angular velocity coordinates (Wx, Wy, Wz),
motion acceleration coordinates (Ax, Ay, Az), motion position
coordinates (Px, Py, Pz) and motion attitude angle coordinates
(.theta., .gamma., .psi.). The motion angular velocity, the motion
acceleration, the motion position and the motion attitude angle at
the moment can be calculated, and the motion angular velocity, the
motion acceleration, the motion position and the motion attitude
angle can be taken as individual components of the motion feature
vector at the moment. Therefore, the motion feature vector at the
moment may include a motion angular velocity component, a motion
acceleration component, a motion position component, and a motion
attitude angle component. Then, the motion feature vectors at the
multiple moments may be arranged in chronological order into a
feature vector matrix. The feature vector matrix may be used as the
motion feature of the mobile acquiring device to reflect a motion
trajectory and a motion state of the mobile acquiring device.
Therefore it is possible to realize the monitoring of the motion
trajectory and the motion state, classify and recognize normal
acquiring actions and abnormal acquiring actions, and thus evaluate
the risk of fraudulent or false use.
[0064] In some embodiments of the present application, similarity
between the motion feature of the mobile acquiring device and at
least one preset motion feature can be calculated, and then the
payment information processing result can be determined according
to the similarity.
[0065] Before using at least one preset motion feature to determine
the payment information processing result, the payment information
processing method of the embodiment of the present application may
further include: performing a feature analysis based on historical
motion data of at least one mobile acquiring device to obtain at
least one preset motion feature.
[0066] Specifically, based on given historical motion data of at
least one mobile acquiring device, feature analysis and data
modeling may be performed on the historical motion data of at least
one mobile acquiring device to obtain at least one preset motion
feature.
[0067] In order to enhance recognition accuracy, recognition
verification on the motion state may be performed. Based on
similarity detection results in actual use, the motion data of the
mobile acquiring device detected in actual use may be analyzed,
judged and checked for robustness again to determine false positive
and false negative judgements of the similarity detection results.
Then the at least one preset motion feature may be updated based on
the judgment result.
[0068] In the embodiment of the present application, the at least
one preset motion feature includes a preset motion feature
corresponding to at least one normal acquiring action and/or a
preset motion feature corresponding to at least one abnormal
acquiring action.
[0069] In some other embodiments of the present application, the
motion feature of the mobile acquiring device may also be input
into a pre-trained abnormal acquiring motion detection model, and
the payment information processing result may be determined
according to an output result of the motion feature detection
model.
[0070] The abnormal acquiring action detection model may perform a
model training based on historical motion data of at least one
mobile acquiring device, thereby obtaining an abnormal acquiring
action detection model for detecting abnormal acquiring
actions.
[0071] In the embodiment of the present application, the specific
method for determining the payment information processing result
according to the similarity may include: determining a preset
motion feature matching the motion feature of the mobile acquiring
device based on the similarity and a preset similarity threshold,
so as to determine an acquiring action matching the mobile
acquiring device and thus determine whether the mobile acquiring
device is having a normal acquiring action or an abnormal acquiring
action.
[0072] Taking the case where at least one preset motion feature
includes a preset motion feature corresponding to at least one
normal acquiring action as an example, the similarity between the
motion feature of the mobile acquiring device and at least one
preset motion feature can be detected to determine whether there is
a matching preset motion feature. If there is a matching preset
motion feature, it may be determined that the mobile acquiring
device is having a normal acquiring action; if not, it may be
determined that the mobile acquiring device is having an abnormal
acquiring action. In this example, by determining the similarity
relative to the preset motion feature corresponding to at least one
normal acquiring action, the similarity detection result can be
quickly detected, thereby reducing the data processing amount and
improving the data processing efficiency.
[0073] After it is determined that the mobile acquiring device is
having a normal acquiring action or an abnormal acquiring action,
if the mobile acquiring device is having a normal acquiring action,
it may be determined that the payment information processing result
is that the transaction is risk-free; if the mobile acquiring
device is having an abnormal acquiring action, it may be determined
that the payment information processing result is that the
transaction is risky.
[0074] In the embodiment of the present application, the specific
method for determining the payment information processing result
according to the similarity may additionally or alternatively
include: obtaining transaction-related information and determining
a transaction detection result corresponding to the
transaction-related information; analyzing the similarity and the
transaction detection result, and determining a transaction risk
level according to a corresponding relationship between the
analysis result and the transaction risk level, as the payment
information processing result.
[0075] The transaction-related information may include a
transaction environment detection result, merchant information, and
transaction location information. Specifically, the transaction
environment detection result may include a detection result about
the mobile acquiring device being wrapped by an outer object and/or
a detection result about a transaction card being held by a
hand.
[0076] According to the transaction-related information, the
transaction detection result corresponding to each
transaction-related information may be determined respectively, and
then the transaction detection result corresponding to each
transaction-related information and the similarity may be weighted
and summed to obtain the analysis result. According to a numerical
range in which the analysis result is located, the transaction risk
level may be determined and taken as the payment information
processing result.
[0077] In the embodiment of the present application, the
corresponding relationship between the analysis result and the
transaction risk level may be determined depending on a merchant
type corresponding to the mobile acquiring device and/or a business
scenario corresponding to the acquiring request. That is, numerical
ranges corresponding to different transaction risk levels can be
determined according to the merchant type corresponding to the
mobile acquiring device and/or the business scenario corresponding
to the acquiring request. In this case, when the analysis result
falls within any numerical range, the payment information
processing result can be determined to be the transaction risk
level corresponding to the numerical range.
[0078] FIG. 4 shows a schematic flowchart of a payment information
processing method provided by another embodiment of the present
application. As shown in FIG. 4, the payment information processing
method further includes:
[0079] S240: determining whether to continue the transaction
according to the payment information processing result.
[0080] In the embodiment of the present application, depending on
the two kinds of payment information processing results as
described above, there may be two options for the method of
determining whether to continue the transaction.
[0081] The first option:
[0082] In this option, the payment information processing result is
that the transaction is risk-free or the transaction is risky. In
this case, whether to continue or terminate the transaction can be
directly determined according to the payment information processing
result. That is, when it is determined that the payment information
processing result is that the transaction is risk-free, the
transaction is continued; when it is determined that the payment
information processing result is that the transaction is risky, the
transaction is terminated.
[0083] The second option:
[0084] In this option, the payment information processing result is
the transaction risk level. In this case, it is possible to
determine whether to continue the transaction according to
different transaction risk levels. When the transaction risk level
is low, the transaction is continued; when the transaction risk
level is high, the cardholder may be notified to make a second
confirmation and/or the acquirer may be notified to further verify
the merchant's identity.
[0085] In an example in which three transaction risk levels are
defined:
[0086] when the transaction risk level is level 1, the risk is a
minimal risk at this time, the transaction may be completed
directly, and the cardholder and the merchant may be notified of
the transaction information.
[0087] when the transaction risk level is level 2, the risk is a
medium risk at this time, there is a possibility of fraudulent use,
and further confirmation by the cardholder is required to further
complete the transaction.
[0088] when the transaction risk level is level 3, the risk is a
high risk at this time, the possibility of fraudulent use is very
high, and the transaction cannot be completed until the cardholder
makes further confirmation and the acquirer further verifies the
identity of the merchant.
[0089] FIG. 5 shows a schematic flowchart of a payment information
processing method provided by a further embodiment of the present
application. As shown in FIG. 5, the payment information processing
method may be applied to the mobile acquiring device 101 shown in
FIG. 1 and may include:
[0090] S310: collecting motion data of the mobile acquiring device
in response to sending an acquiring request;
[0091] S320: sending the motion data to a target device, so that
under a condition that the mobile acquiring device obtains payment
card information, the target device can determine a motion feature
of the mobile acquiring device according to the motion data and
determine a payment information processing result according to the
motion feature.
[0092] In the embodiment of the present application, the mobile
acquiring device can collect the motion data of the mobile
acquiring device in response to sending the acquiring request and
send the motion data to the target device, so that the target
device can determine the motion feature of the mobile acquiring
device according to the motion data under a condition that the
mobile acquiring device obtains the payment card information of the
payment card, and determine the payment information processing
result related to transaction risk based on the motion feature so
as to provide a risk judgment basis for a transaction. Thus when
the merchant uses the mobile acquiring device to initiate a
transaction and obtain a transaction object, security of a payment
card account of a cardholder corresponding to the transaction
object can be improved, and a probability of false or fraudulent
use of the payment card can be reduced.
[0093] In the embodiment of the present application, the target
device may be the device server 102 shown in FIG. 1.
[0094] The payment information processing method of the embodiment
of the present application may be applied to various transaction
cards with a contactless chip or a contact chip, such as a bank
card, a bus card or a shopping card, etc.; and may also be applied
to a third party payment software in a mobile terminal.
[0095] In some embodiments of the present application, the payment
card information is information stored in the contact chip or the
contactless chip of the payment card. In some other embodiments of
the present application, the payment card information may also be
information stored in the mobile terminal.
[0096] The payment card information may include at least identity
information of the cardholder of the payment card and account
information of the payment card. The payment card information may
be used by a card issuing bank to verify the identity of the
cardholder and the transaction account for the transaction.
[0097] In the embodiment of the present application, when the
merchant uses the mobile acquiring device to have a transaction
with the cardholder, the merchant may firstly need to use the
mobile acquiring device to send the acquiring request; after
sending the acquiring request, the mobile acquiring device may send
the acquiring request and/or an acquiring request signal to the
device server; and the device server may respond to the acquiring
request sent by the mobile acquiring device by responding to the
acquiring request and/or the acquiring request signal, and obtain
the motion data of the mobile acquiring device.
[0098] In the embodiment of the present application, the mobile
acquiring device may send the motion data to the device server in
real time after sending the acquiring request, or the mobile
acquiring device may send all the collected motion data to the
device server when the payment card information is obtained.
[0099] In some embodiments of the present application, the payment
information processing method may further include: in response to
obtaining the payment card information, the mobile acquiring device
sends the payment card information and/or a payment card reading
signal to the target device, so that in response to the payment
card information and/or the payment card reading signal, the target
device can determine the motion feature of the mobile acquiring
device according to the motion data under a condition that the
mobile acquiring device obtains the payment card information, and
determine the payment information processing result based on the
motion feature.
[0100] When the mobile acquiring device sends the payment card
reading signal to the target device in response to obtaining the
payment card information, if the device server determines to
continue the transaction based on the payment information
processing result, the device server needs to firstly obtain the
payment card information from the mobile acquiring device and then
proceed to the subsequent transaction process. When the mobile
acquiring device sends the payment card information or sends the
payment card information and the payment card reading signal to the
target device in response to obtaining the payment card
information, if the device server determines to continue the
transaction based on the payment information processing result, the
device server may directly use the payment card information to
proceed to the subsequent transaction process.
[0101] In some embodiments of the present application, the payment
information processing method may further include: the mobile
acquiring device stops collecting the motion data in response to
obtaining the payment card information. That is, the payment card
being actually swiped can be taken as an ending sign, so as to
prevent the merchant who fraudulently uses the payment card from
performing an "action demonstration" before the payment card is
actually swiped to circumvent transaction detection based on motion
data detection.
[0102] In some embodiments of the present application, the payment
information processing method may further include: under a
condition that the payment card information has not been obtained
and a predetermined time period is reached after the sending of the
acquiring request, resending an acquiring request.
[0103] Therefore, in the embodiment of the present application, the
waiting time for the mobile acquiring device to obtain the payment
card information in response to sending the acquiring request may
be limited, so that under a condition that the waiting time for the
mobile acquiring device to obtain the payment card information
reaches the predetermined time period and the mobile acquiring
device has not yet obtained the payment card information, the
mobile acquiring device may terminate the transaction and need to
resend the acquiring request to continue the transaction.
[0104] In the embodiment of the present application, the
predetermined time period may be set to be any time period in a
range of 5 s to 8 s, such as 5 s, 6 s, or 8 s, and may also be set
to be other time periods as required.
[0105] Since the predetermined time period corresponding to the
waiting time for the mobile acquiring device to obtain the payment
card information is set in the embodiment of the present
application, a possibility that a merchant fraudulently using the
payment card continuously uses the mobile acquiring device to
fraudulently use the payment card can be reduced in the embodiment
of the present application.
[0106] FIG. 6 shows a schematic diagram of a transaction process
provided by an embodiment of the present application. As shown in
FIG. 6, when a merchant uses a mobile acquiring device to conduct a
transaction to a payment card, the transaction process between the
mobile acquiring device and the device server may include:
[0107] S401: after the merchant uses the mobile acquiring device to
perform identity authentication and login, the merchant inputs a
bill amount to the mobile acquiring device and initiates an
acquiring request;
[0108] S402: the mobile acquiring device sends an acquiring request
signal to the device server;
[0109] S403: the mobile acquiring device obtains motion data of the
mobile acquiring device and waits for the card to be swiped within
a preset time period;
[0110] S404a: if the mobile acquiring device obtains payment card
information of the payment card within the preset time period, the
mobile acquiring device sends the motion data to the device
server;
[0111] S405a: the device server obtains transaction-related
information, and determines a risk level according to the motion
data and the transaction-related information, as a payment
information processing result;
[0112] S406a: the device server determines whether to continue the
transaction according to the payment information processing
result;
[0113] S404b: if the mobile acquiring device fails to obtain the
payment card information of the payment card within the preset time
period, the mobile acquiring device terminates the current
transaction;
[0114] S405b: the mobile acquiring device notifies the merchant to
reinitiate an acquiring request.
[0115] In summary, according to the embodiment of the present
application, the transaction risk can be evaluated based on the
motion data so as to complete analysis and detection of the
transaction risk without affecting experience of the merchant and
the cardholder, thereby greatly increasing the technical threshold
of fraudulent use and effectively reducing occurrence of fraudulent
use. In addition, according to the embodiment of the present
application, a time correlation among an acquiring initiation
event, a motion data monitor event, and a payment card information
reading event can be established, which can avoid bypassing the
risk monitoring function and prevent the merchant from seizing an
opportunity to fraudulently use the payment card while the mobile
acquiring device continuously obtains the payment card
information.
[0116] FIG. 7 is a schematic structural diagram of a payment
information processing apparatus provided by an embodiment of the
present application. As shown in FIG. 7, the payment information
processing apparatus may be applied to the device server 102 shown
in FIG. 1 and may include:
[0117] a data obtaining unit 510 configured to obtain motion data
of a mobile acquiring device, in response to an acquiring request
sent by the mobile acquiring device;
[0118] a motion detection unit 520 configured to determine a motion
feature of the mobile acquiring device according to the motion
data, under a condition that the mobile acquiring device obtains
payment card information;
[0119] a detection processing unit 530 configured to determine a
payment information processing result according to the motion
feature.
[0120] In the embodiment of the present application, the payment
information processing apparatus is able to obtain the motion data
of the mobile acquiring device after the mobile acquiring device
sends the acquiring request, determine the motion feature of the
mobile acquiring device by use of the motion data under a condition
that the mobile acquiring device obtains the payment card
information of the payment card, and determine the payment
information processing result related to the transaction risk based
on the motion feature so as to provide a risk judgment basis for
the transaction. Thus when the merchant uses the mobile acquiring
device to initiate a transaction and obtain a transaction object,
security of a payment card account of a cardholder corresponding to
the transaction object can be improved, and a probability of false
or fraudulent use of the payment card can be reduced.
[0121] The payment information processing apparatus of the
embodiment of the present application may be applied to various
transaction cards with a contactless chip or a contact chip, such
as a bank card, a bus card or a shopping card, etc.; and may also
be applied to a third party payment software in a mobile
terminal.
[0122] In the embodiment of the present application, when the
merchant uses the mobile acquiring device to have a transaction
with the cardholder, the merchant may firstly need to use the
mobile acquiring device to send the acquiring request; after
sending the acquiring request, the mobile acquiring device may send
the acquiring request and/or an acquiring request signal to the
device server; and the device server may respond to the acquiring
request sent by the mobile acquiring device by responding to the
acquiring request and/or the acquiring request signal, and obtain
the motion data of the mobile acquiring device.
[0123] In the embodiment of the present application, the obtained
motion data of the mobile acquiring device may be data collected by
the mobile acquiring device between a first moment and a second
moment, where the first moment is a moment when the mobile
acquiring device sends the acquiring request and the second moment
is a moment when the mobile acquiring device obtains the payment
card information. In these embodiments, it is not only possible to
prevent circumvention of the transaction detection based on the
motion data detection, but also possible to reduce an amount of
data processing, improve efficiency of the data processing and
reduce resource occupation of the device server since the data is
collected only from the moment when the acquiring request is sent
to the moment when the payment card information is obtained, i.e.
during a period when the payment card is actually swiped.
[0124] In other embodiments of the present application, the
obtained motion data of the mobile acquiring device may also be
data collected by the mobile acquiring device between the first
moment and a third moment, where the third moment is a moment when
the second moment is delayed to reach a delay period.
[0125] In the embodiment of the present application, a specific
moment for the data obtaining unit 510 to obtain the motion data of
the mobile acquiring device in response to the acquiring request
sent by the mobile acquiring device may be a moment of receiving
the acquiring request sent by the mobile acquiring device, that is,
after receiving the acquiring request sent by the mobile acquiring
device, the motion data of the mobile acquiring device may be
continuously obtained; the specific moment of obtaining the motion
data of the mobile acquiring device may be a moment when the mobile
acquiring device obtains the payment card information, that is,
after the mobile acquiring device obtains the payment card
information, all the motion data of the mobile acquiring device
before obtaining the payment card information may be received.
[0126] In some embodiments of the present application, the payment
card information may be information stored in the contact chip or
the contactless chip of the payment card. In some other embodiments
of the present application, the payment card information may also
be information stored in the mobile terminal.
[0127] The payment card information may include at least identity
information of the cardholder of the payment card and account
information of the payment card. The payment card information may
be used by a card issuing bank to verify the identity of the
cardholder and the transaction account for the transaction.
[0128] In the embodiment of the present application, the waiting
time for the mobile acquiring device to obtain payment card
information in response to the acquiring request may also be
limited. Specifically, the payment information processing apparatus
may further include a first timing unit configured to reobtain the
motion data of the mobile acquiring device in response to an
acquiring request resent by the mobile acquiring device, under a
condition that the response to the acquiring request reaches a
predetermined time period and the mobile acquiring device has not
obtained the payment card information. That is, under a condition
that the waiting time for the mobile acquiring device to obtain the
payment card information reaches the predetermined time period and
the mobile acquiring device has not yet obtained the payment card
information, the transaction may be terminated, and thus the mobile
acquiring device may need to resend the acquiring request. In this
case, the device server may reobtain the motion data of the mobile
acquiring device in response to the acquiring request resent by the
mobile acquiring device.
[0129] In the embodiment of the present application, the
predetermined time period may be set to be any time period in a
range of 5 s to 8 s, such as 5 s, 6 s, or 8 s, and may also be set
to be other time periods as required.
[0130] Since the predetermined time period corresponding to the
waiting time for the mobile acquiring device to obtain the payment
card information is set in the embodiment of the application, a
possibility that a merchant fraudulently using the payment card
continuously uses the mobile acquiring device to fraudulently use
the payment card can be reduced in the embodiment of the
application.
[0131] In the embodiment of the present application, the motion
data may include action sensor signals at multiple moments, so that
the action sensor signals at the multiple moments can be used to
determine the motion feature of the mobile acquiring device. In
this case, the motion detection unit 520 may be further configured
to: perform Kalman filtering on the action sensor signals at the
multiple moments to obtain Kalman filtered data at the multiple
moments; and determine the motion feature of the mobile acquiring
device based on the Kalman filtered data at the multiple moments.
The action sensor signals at the multiple moments may be Kalman
filtered separately by use of the Kalman filter.
[0132] Specifically, the motion detection unit 520 may be further
configured to: calculate motion feature vectors at the multiple
moments according to the Kalman filtered data at the multiple
moments; and arrange the motion feature vectors at the multiple
moments in chronological order to form the motion feature of the
mobile acquiring device.
[0133] The action sensor signal may include at least one of an
accelerometer signal, a gyroscope signal, and a magnetometer
signal. The Kalman filtered data may include at least one of a
motion angular velocity coordinate, a motion acceleration
coordinate, a motion position coordinate, and a motion attitude
angle coordinate; the motion feature vector may include at least
one of a motion angular velocity component, a motion acceleration
component, a motion position component, and a motion attitude angle
component.
[0134] In the embodiment of the present application, when the
action sensor signal includes the accelerometer signal and the
gyroscope signal, the Kalman filtering can make the accelerometer
signal and the gyroscope signal complementary, which can avoid a
problem of having a large motion noise and error when only the
accelerometer is used for measurement or having an error drifting
with time when only the gyroscope is used for measurement.
Therefore, according to the embodiment of the present application,
the accelerometer signal and the gyroscope signal can be
effectively combined, thereby improving accuracy of motion
monitoring of the mobile acquiring device.
[0135] In the embodiment of the present application, the detection
processing unit 530 may be further configured to: calculate a
similarity between the motion feature and at least one preset
motion feature; and determine the payment information processing
result according to the similarity.
[0136] Specifically, the detection processing unit 530 may be
further configured to perform a feature analysis based on
historical motion data of at least one mobile acquiring device to
obtain at least one preset motion feature.
[0137] The at least one preset motion feature includes a preset
motion feature corresponding to at least one normal acquiring
action and/or a preset motion feature corresponding to at least one
abnormal acquiring action.
[0138] In some embodiments of the present application, the specific
method for the detection processing unit 530 to determine the
payment information processing result according to the similarity
may include: determining a preset motion feature that matches the
motion feature of the mobile acquiring device based on the
similarity and a preset similarity threshold, so as to determine an
acquiring action matching the mobile acquiring device and thus
determine whether the mobile acquiring device is having a normal
acquiring action or an abnormal acquiring action.
[0139] In the embodiment of the present application, the specific
method for the detection processing unit 530 to determine the
payment information processing result according to the similarity
may further include: obtaining transaction-related information and
determining the transaction detection result corresponding to the
transaction-related information; analyzing the similarity and the
transaction detection result, and determine a transaction risk
level according to a corresponding relationship between the
analysis result and the transaction risk level, as the payment
information processing result.
[0140] The corresponding relationship between the analysis result
and the transaction risk level may be determined depending on a
merchant type corresponding to the mobile acquiring device and/or a
business scenario corresponding to the acquiring request. That is,
numerical ranges corresponding to different transaction risk levels
can be determined according to the merchant type corresponding to
the mobile acquiring device and/or the business scenario
corresponding to the acquiring request. In this case, when the
analysis result falls within any numerical range, the payment
information processing result can be determined to be the
transaction risk level corresponding to the numerical range.
[0141] In the embodiment of the present application, the payment
information processing apparatus may further include a transaction
determination unit configured to determine whether to continue the
transaction according to the payment information processing
result.
[0142] FIG. 8 is a schematic structural diagram of a payment
information processing apparatus provided by an embodiment of the
present application. As shown in FIG. 8, the payment information
processing apparatus may be applied to the mobile acquiring device
101 shown in FIG. 1 and may include:
[0143] a data collection unit 610 configured to collect motion data
of the mobile acquiring device in response to sending an acquiring
request;
[0144] a data sending unit 620 configured to send the motion data
to a target device, so that under a condition that the mobile
acquiring device obtains payment card information, the target
device can determine a motion feature of the mobile acquiring
device according to the motion data and determine a payment
information processing result according to the motion feature.
[0145] In the embodiment of the present application, the payment
information processing apparatus can collect the motion data of the
mobile acquiring device in response to sending the acquiring
request and send the motion data to the target device, so that the
target device can determine the motion feature of the mobile
acquiring device according to the motion data under a condition
that the mobile acquiring device obtains payment card information
of the payment card, and determine the payment information
processing result related to transaction risk based on the motion
feature so as to provide a risk judgment basis for a transaction.
Thus when the merchant uses the mobile acquiring device to initiate
a transaction and obtain a transaction object, security of a
payment card account of a cardholder corresponding to the
transaction object can be improved, and a probability of false or
fraudulent use of the payment card can be reduced.
[0146] In the embodiment of the application, the target device may
be the device server 102 shown in FIG. 1.
[0147] The payment information processing apparatus of the
embodiment of this application may be applied to various
transaction cards with a contactless chip or a contact chip, such
as a bank card, a bus card or a shopping card, etc.; and may also
be applied to a third party payment software in a mobile
terminal.
[0148] In some embodiments of the present application, the payment
card information is information stored in the contact chip or the
contactless chip of the payment card. In some other embodiments of
the present application, the payment card information may also be
information stored in the mobile terminal.
[0149] The payment card information may include at least identity
information of the cardholder of the payment card and account
information of the payment card. The payment card information may
be used by a card issuing bank to verify the identity of the
cardholder and the transaction account for the transaction.
[0150] In the embodiment of the application, the payment
information processing apparatus may further include an information
sending unit configured to send the acquiring request and/or an
acquiring request signal to the device server after the acquiring
request is sent, so that the device server can respond to the
acquiring request sent by the mobile acquiring device by responding
to the acquiring request and/or the acquiring request signal, and
obtain the motion data of the mobile acquiring device.
[0151] In the embodiment of the application, the mobile acquiring
device may send the motion data to the device server in real time
after sending the acquiring request, or the mobile acquiring device
may send all the collected motion data to the device server when
the payment card information is obtained.
[0152] In some embodiments of the present application, the
information sending unit may be further configured to: send the
payment card information and/or a payment card reading signal to
the target device in response to obtaining the payment card
information, so that in response to the payment card information
and/or the payment card reading signal, the target device can
determine the motion feature according to the motion data under a
condition that the mobile acquiring device obtains the payment card
information, and determine the payment information processing
result based on the motion feature.
[0153] When the mobile acquiring device sends the payment card
reading signal to the target device in response to obtaining the
payment card information, if the device server determines to
continue the transaction based on the payment information
processing result, the device server needs to firstly obtain the
payment card information from the mobile acquiring device and then
proceed to the subsequent transaction process. When the mobile
acquiring device sends the payment card information or sends the
payment card information and the payment card reading signal to the
target device in response to obtaining the payment card
information, if the device server determines to continue the
transaction based on the payment information processing result, the
device server may directly use the payment card information to
proceed to the subsequent transaction process.
[0154] In the embodiment of the present application, the data
collection unit 610 may be further configured to: stop collecting
the motion data in response to obtaining the payment card
information. That is, the payment card being actually swiped can be
taken as an ending sign, so as to prevent the merchant who
fraudulently uses the payment card from performing an "action
demonstration" before the payment card is actually swiped to
circumvent transaction detection based on motion data
detection.
[0155] In the embodiment of the present application, the payment
information processing apparatus may further include a second
timing unit configured to resend, under a condition that the
payment card information has not been obtained and a predetermined
time period is reached after the sending of the acquiring request,
an acquiring request.
[0156] Therefore, in the embodiment of the present application, the
waiting time for the mobile acquiring device to obtain the payment
card information in response to sending the acquiring request may
be limited, so that under a condition that the waiting time for the
mobile acquiring device to obtain the payment card information
reaches the predetermined time period and the mobile acquiring
device has not yet obtained the payment card information, the
mobile acquiring device may terminate the transaction and need to
resend the acquiring request to continue the transaction.
[0157] In the embodiment of the present application, the
predetermined time period may be set to be any time period in a
range of 5 s to 8 s, such as 5 s, 6 s, or 8 s, and may also be set
to be other time periods as required.
[0158] Since the predetermined time period corresponding to the
waiting time for the mobile acquiring device to obtain the payment
card information is set in the embodiment of the application, a
possibility that a merchant fraudulently using the payment card
continuously uses the mobile acquiring device to fraudulently use
the payment card can be reduced in the embodiment of the
application.
[0159] The payment information processing method and apparatus
according to the embodiments of the present application may be
implemented by a payment information processing device. FIG. 9
shows a schematic diagram of a hardware structure of a payment
information processing device 700 according to an embodiment of the
present application.
[0160] As shown in FIG. 9, the payment information processing
device 700 includes an input device 701, an input interface 702, a
central processing unit 703, a memory 704, an output interface 705,
and an output device 706. The input interface 702, the central
processing unit 703, the memory 704, and the output interface 705
are connected to each other via a bus 710. The input device 701 and
the output device 706 are connected to the bus 710 via the input
interface 702 and the output interface 705 respectively, and then
are connected to other components of the payment information
processing device 700.
[0161] Specifically, the input device 701 receives input
information from outside, and transmits the input information to
the central processing unit 703 through the input interface 702;
the central processing unit 703 processes the input information
based on computer executable instructions stored in the memory 704
to generate output information, temporarily or permanently stores
the output information in the memory 704, and then transmits the
output information to the output device 706 through the output
interface 705; the output device 706 outputs the output information
to the outside of the payment information processing device 700 for
use by the user.
[0162] In other words, the payment information processing device
shown in FIG. 9 may also be implemented as including: a memory
storing computer executable instructions; and a processor that can
implement the payment information processing method and apparatus
as described in the embodiments of the present application when
executing the computer executable instructions.
[0163] The embodiments of the present application also provide a
computer-readable storage medium having computer program
instructions stored thereon; the computer program instructions,
when executed by a processor, can implement the payment information
processing method provided in the embodiments of the present
application.
[0164] The functional blocks shown in the above structural block
diagram can be implemented as hardware, software, firmware, or a
combination thereof. When implemented in hardware, the functional
blocks may be, for example, an electronic circuit, an application
specific integrated circuit (ASIC), appropriate firmware, a
plug-in, a function card, and so on. When implemented in software,
the elements of the present application are programs or code
segments used to perform required tasks. The programs or code
segments may be stored in a machine-readable medium, or transmitted
on a transmission medium or a communication link via a data signal
carried in a carrier wave. The "machine-readable medium" may
include any medium that can store or transmit information. Examples
of the machine-readable medium include an electronic circuit, a
semiconductor memory device, a ROM, a flash memory, an erasable ROM
(EROM), a floppy disks, a CD-ROM, an optical disk, a hard disk, a
fiber optic medium, a radio frequency (RF) link, and so on. The
code segments may be downloaded via a computer network such as the
Internet, an intranet, etc.
[0165] Although the present application has been described with
reference to preferred embodiments, various modifications can be
made without departing from the scope of the present application
and the components therein can be replaced with equivalents. In
particular, as long as there is no structural conflict, various
technical features mentioned in various embodiments can be combined
in any manner. The present application is not limited to the
specific embodiments disclosed herein, but includes all technical
solutions falling within the scope of the claims.
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